I explored the same issue after diving into the topic of network moneys.
For myself I defined 3 layers of money :
This is among close friends and family, most of the time. so people we trust a lot
People do things for each other, they might even lend money or pay stuff for each other, however, for most an accounting system would feel wierd here. It is like if you go out together and you pay the first round and you friend the second and the night goes on, but you are really counting with pen and paper the prices of the drinks to come out even... ;)
This would be socially creapy and let you apear as cheeseparing or nitpicky.
In my understanding at this level beeing even is really more a feeling, often also compensated by the fact that we like to have some people around us and doing them favours can be an honor to us.
Therefore ,money is kind of invisible here, really just a concept of compensation graded by a feeling. (those who never pay a round or do a favour will probably not be our fiends too long)
Are also as trusted contacts but more on a business level
Here trust is based on a rational decision. We see them as reliable people or businesses.
Dragons Den would be of this kind, but coming from the crowd instead.
Or if one has to track the status of IOU because it is business. An example of this might be if regular guests can chalk up their drinks. The shop owner allows this because it is clear anyway that they will come back, but the owner does it because in the end it must be clear that they are even and otherwise they would forget about the real numbers.
There is clear risk but in the first example the incentive is the desire to help bring a product to market. In the second example the risk is taken because of inductive reasoning.
Finally there a untrusted nodes which one still wants to pay. The simplest in social terms, you just want to buy the good they offer without making you dependent on each other.
As far as I can see, one should (mostly) forgert about level 1 first, when trying to get people to use network money.
level 2 is a good starting point for introduction and enabling workable, expendient payment to Level 3 is then the tricky technical task.